Free for investors. 3 tiers for SGIs.
Free KYC infrastructure + directory. Variable commission only on executed orders. Premium option for high-end SGIs — pay for what you use, nothing more.
Free, for life · 0 FCFA
Open an account, verify your KYC, connect your SGIs, place your orders. Without ever paying a cent to Inopay.
No credit card · no hidden fees · no paid "premium" version
- Ed25519 portable unified KYC
- Consolidated multi-SGI portal
- BRVM · BVMAC · GSE quotes
- Order routing to SGIs
- CinetPay / Paystack payments
- Annual tax statement
- Dividend alerts + calendar
- Email support
3 tiers aligned with your usage
Free infrastructure · commission only on orders · optional Premium when you need more.
Free
Everything to get started: portable identity, investor directory, webhooks, docs.
No setup · no minimum · no credit card
Start in sandbox- Unlimited Ed25519 unified KYC
- Cross-SGI reuse
- Public directory (diaspora acquisition)
- Basic HMAC-SHA256 webhooks
- REST API + OpenAPI 3.1
- Unlimited public sandbox
- Full SGI dashboard
- Email support
0.15% per routed order
You pay only when an investor order reaches you and gets executed. 0 orders = 0 bill.
On gross order value · billed monthly via CinetPay/Paystack
Enable order routing- Everything in Tier 1, plus:
- Investor → SGI order routing
- Commission auto-calculated on execution
- Monthly FCFA billing
- Auto-debit via CinetPay / Paystack
- Orders dashboard + commission report
- Webhooks
order.routed+order.executed - Automated CREPMF reporting
50,000 FCFA /month
For high-end SGIs, boutiques, KYC3 clients or high volumes. Minimum absorbs commission.
Combines with 0.15% · the minimum absorbs the commission
Discuss Premium- Everything in Tier 2, plus:
- Paper verification methods (notarial · courier)
- Branch-visit & witnessed video
- Dual-control / board-review workflow
- 4h SLA support · dedicated WhatsApp
- Advanced analytics (cohorts, LTV)
- White-label mobile app (72h)
- Turnkey CREPMF licensing dossier
- Dedicated account manager
Fees you pay elsewhere (never to Inopay)
Inopay takes no hidden margin. The fees below are those applied by your SGI and the payment rail — identical to what you would pay going direct with your SGI, without Inopay.
How much will Inopay bill you?
Move the slider to your forecasted monthly routed order volume. Everything else is 0 FCFA.
What you need to know
Really 0 FCFA for the investor? What's the catch?
No catch. Inopay is funded solely on the SGI side, like Plaid or Stripe who bill businesses and not end consumers. This pushes us to build a platform investors love — because we need many of them to create volume for our partner SGIs.
Does 0.15% really include all KYC infrastructure?
Yes. Unified KYC all levels (basic, standard, enhanced), cryptographic audit trail, unlimited cross-SGI reuse, API, webhooks, dashboard, CREPMF reporting, sandbox, support. No additional cost per KYC processed. We deliberately removed per-verification billing to eliminate any friction on investor onboarding at our partner SGIs.
Is 0.15% taken on the gross order amount?
Yes. On the gross value of the routed order, excluding SGI execution fees and tax. Example: a 1,000,000 FCFA order generates 1,500 FCFA of Inopay billing (0.15%), regardless of the investor's KYC level or order history.
What happens during the 6-month pilot?
Reduced rate of 0.075% (−50%) during the first 6 months of production, from pilot agreement signature. From month 7 onward, standard rate applies automatically — no surprise, we announce the transition 30 days in advance.
Is there a monthly minimum or volume commitment?
Tiers 1 and 2 have no minimum. The 50,000 FCFA/month minimum only applies to Tier 3 Premium (opt-in), which includes advanced features (paper verification methods, dual-control workflow, 4h SLA, analytics, white-label mobile). On Premium, the minimum absorbs your 0.15% commission, so you never pay twice. Once your routed volume exceeds ~35M FCFA/month, the minimum is effectively offset by the variable commission.
How to choose between Tier 1, 2 and 3?
Always start at Tier 1 (free, sandbox, portable KYC) — sign a pilot SGI, validate your integration. Move to Tier 2 as soon as you want to receive routed orders (automatic activation at pilot agreement signature). Tier 3 Premium is relevant if your clientele requires paper verification methods (notarial, diaspora courier), a board-review validation workflow, or if you need the 4h SLA + dedicated account manager.
How are we billed?
A monthly invoice issued on the 1st of each month, based on orders effectively routed and executed the previous month. Settlement via bank transfer within 15 days. Billing currency: FCFA (euros or cedi possible on request).
What fees does my investor actually pay?
Only: (1) your SGI's execution fees (unchanged), (2) CinetPay or Paystack rail fees (mobile money, card, transfer), and (3) local tax. Inopay applies no commission on the investor side — this is the guarantee that makes the service attractive.
Can we negotiate for very large volume?
Yes. Above 5 Bn FCFA of routed volume per month, a negotiated rate is possible on annual commitment. Contact partenaires@getinopay.com for a dedicated discussion.
Ready to get started?
Investor: create your free account in 2 minutes. SGI: schedule a scoping call with no commitment — pilot pricing is valid from signature.